COBRA Insurance Cost Calculator
Last updated: July 2026
Estimate monthly and total COBRA continuation coverage cost from employee and employer premium shares.
Estimated monthly COBRA premium
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- Full monthly group premium: —
- Monthly administrative charge: —
- Total cost for selected months: —
- Increase from current employee share: —
On this page
Quick summary: Estimate monthly and total COBRA continuation coverage cost from employee and employer premium shares. Enter realistic assumptions and compare more than one scenario before making a financial, insurance or home-improvement decision.
Read the complete guide
What this calculator estimates
Estimate monthly and total COBRA continuation coverage cost from employee and employer premium shares. It is designed for fast planning and comparison in the United States. The output is an estimate, not a binding quote, approval, tax determination, insurance offer or professional recommendation.
How to use it
Enter the requested values using a single consistent time period and currency. Select Calculate, review the headline result and supporting figures, then change one assumption at a time to compare another scenario.
How the calculation works
COBRA cost is modeled as the full employee-plus-employer group premium plus the entered administrative percentage, multiplied by the selected coverage months.
Important limitations
Eligibility, maximum duration, disability extensions, state continuation rules and actual plan premiums vary. Confirm figures with the plan administrator.
Frequently asked questions
Is the result exact?
No. It is a planning estimate based on the assumptions entered.
Can I compare different scenarios?
Yes. Change one input at a time so you can see which assumption changes the result.
Does the calculator store my inputs?
The calculation runs in the browser and does not require an account. Avoid entering unnecessary confidential information.